EMI vs SIP for ₹5,000,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 43,748
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 39,673
Monthly Savings
₹ 4,076
SIP Investment
@ 12% for 23 years
₹ 6,003,448
Extra Interest Paid
₹ 1,500,049
Final Outcome
₹ 4,503,398
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,003,448.
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